The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,819
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$216/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,494/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,586
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,790
−HK$206/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,992/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,183
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,438
−HK$258/mo
Today · 4.125%
HK$8,696
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,392/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,104
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$248/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,192/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,547
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$302/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,292/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,621
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$289/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,390/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$387/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,656
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$371/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).